Decion Lender

Jericho Information Technology

Improve Key Ratios - Decrease Risk - Ensure Regulatory Compliance - Increase Profits

TCI has entered into a partnership with Jericho Information Technology (JIT) to distribute JIT's products to TCI customers. TCI's DecisionLender automates the workflow for the loan origination process thus providing our customers with the ability to respond faster to loan requests. By integrating our Decision Lender product with JIT, our customers can closely monitor, control and improve their lending processes and therefore outperform their competitors.

About JIT?

Jericho Information Technology is a state-of-the-art risk management solution that uses real-time data to provide lenders with the tools to track metrics, increase profitability and maintain compliance. By identifying trends, streamlining production and improving sales, JIT helps lenders increase profits... Jericho is leading the industry in innovation and technology.

What advantage does JIT give you?

Business intelligence solutions

• Identifies trends, opportunities and weaknesses immediately.
• Enables management by exception.
• Provides alerts that allow lenders to operate proactively.
• Improves accuracy of sales and credit data reporting.
• Provides a cost effective solution and easy implementation process.
• Integrated with DecisionLender's loan origination software to generate real-time information.

Companies that use JIT value information as a competitive tool. They are companies that grow 200 percent faster, yield 80 higher revenues and increase production 33 percent over their competitors

Back to Top

What JIT measures

• Sales: displays metrics of volumes, decisions and market activity.
• Credit: tracks credit quality, collateral details and scorecard performance.
• Portfolio: offers clear end-to-end portfolio information needed to manage assets.
• Operations: produces comprehensive productivity, financial and profitability information.
• Dealer Management: identifies competitive threats and adverse selection.
• Predictive Analytics: detects positive and negative patterns in real time.

Back to Top

JIT results

• Provides quantifiable assurance your company is focusing on risk and profitability that stakeholders and regulators demand.
• Establishes, monitors and documents the expectations throughout the organization with user-defined goals, trends and alerts.
• Offers a common view of all metrics across the organization.
• Provides hundreds of pre-defined metrics and specialized tools to implement your Enterprise Risk Management solution.
• Presents data in real time from multiple systems with metrics that can be viewed in time, product, geographic, user and dealer dimensions-this provides a timely, common, accurate and transparent definition of data across the enterprise.

The result is a clear, up-to-date picture of complex business metrics that gives businesses the tools they need to manage risk.

Back to Top

The Sales Module (available as software as a service)

The Sales Module provides businesses with a real-time view of sales volumes, conversion ratios and market activity.

• Monitors application volume, approvals, conversion ratios and bookings by decision strategy and vehicle type.
• Provides a comparison of plan to actual data to stay on target for profitability and volume goals.
• Develops market penetration strategies and tracks defined goals.

Back to Top

Credit

The Credit Details Modules provides granular analysis of real-time credit information.

• Tracks credit scores by applications throughout the approval process.
• Monitors trends in credit risk, custom score, debt ratio and credit grade by segment.
• Understands collateral age, loan to value and average term by region and time period.
• Checks credit performance against the primary scorecard
• Monitors trends in credit risk, custom score, debt ratio and credit grade by segment.
• Understands collateral age, loan to value and average term by region and time period.
• Checks credit performance against the primary scorecard.

Back to Top

Goals

Lender Goals are used to create triggers and thresholds to send alerts. Goals allow lenders to manage by exception.

Back to Top

Geographic Business Monitors

The sales and credit, business monitors allow quick navigation of complex metrics and trends.

• Displays metrics by region, state, branch, dealer, channel and user on a color map to instantly recognize problems and opportunities.
• Allows navigation to any territory by clicking directly on the map.
• Shows individual offices for greater detail.

Jericho addresses a lender's critical needs-risk, profitability, market share and competitive advantage... Jericho is changing the way lenders do business.

To sum it up-market conditions change rapidly. You need to know how you're performing against goals every day. There's too much information out there and you have too little time. JIT helps you stay focused.